PayMaya Fees and Charges: Complete List

With PayMaya, you can do a variety of digital transactions including sending money to your loved ones or friends, paying your utility bills and government contributions, shopping for goods online, buying crypto, and more.

In order to benefit from the services that PayMaya has to offer, there are certain fees you should be aware of. Not all the transactions you make on the app are free.

What types of fees and charges are there?

1. Cash in fees

Cash in partners will often charge a fee for using their services to fund your PayMaya account. Cashing in means you are topping up or adding money to your account.

2. Cash out and transfer fees

There are also fees involved when you take money out of your PayMaya wallet and transfer it to a different e-wallet, bank, or financial institution.

3. Biller convenience fees

Biller convenience fees are additional charges on top of the bill payment for using a biller aggregator, which is a third-party company that processes payments. They negotiate and coordinate with PayMaya on behalf of the companies.

4. ATM fees

PayMaya also issues physical ATM cards to some users. When you use your Maya card at an ATM, you will have to pay fees for withdrawals and balance inquiries.

List of PayMaya fees and charges

Take a look at the tables below for the fees that PayMaya charges for various transactions.

Cash in/Top up

Over-the-counter (OTC) channels2% of cash in amount   *Cash in service fee will only be applied once you have gone over the Php10,000 monthly threshold.
Convenience Stores 7-ElevenAlfamartMinistop
Self-Service Kiosks CLiQQeTapPay & GoTouchpay
Grocery / Drug / Mall / Supermarket Stores Mercury DrugRobinsonsSM StoreSouthstar
Remittance Shops Cebuana LhullierLBCPalawan PawnshopTambunting
Other Partner Merchants Bayad CenteriBayadLBCECPay 
Instapay / PESONetFees vary depending on the sending bank, e-wallet, or financial institution   *Some banks and e-wallets still offer free Instapay and PESONet transfers. Check with your bank or financial institution for more information on these fees.
Debit / Credit CardPhp 200.   *This fee has been effective since January 13, 2021.

Send/Transfer Money

To another PayMaya walletFree
Transfer to external bankPhp 15   *This fee has been in effect since September 13, 2021.

Bills Payment

Bills PaymentPhp 0 – Php 20.   *The biller convenience fee varies depending on the biller.

ATM Fees

ATM Withdrawal (Bancnet/Landbank)Fees depend on the bank ATM.   *ATM withdrawal fees are usually Php 15.
ATM Balance Inquiry
ATM Withdrawal (International)USD 2 – USD 5.   *There may be additional fees depending on the bank ATM.

PayMaya Partner Merchants

You can top up your PayMaya wallet through select banks, convenience stores, grocery stores and supermarkets, malls, and bayad centers.

Here are some of PayMaya’s partner merchants that offer cash in services.

  • 7-Eeleven
  • Alfamart
  • Bayad Center
  • BDO
  • BPI
  • Cebuana Lhullier
  • FamilyMart
  • Gaisano Capital
  • HSBC
  • iBayad
  • Landbank
  • Landers Superstore
  • Lawson
  • LBC
  • Mercury Drug
  • Metrobank
  • Ministop
  • Palawan Pawnshop
  • Robinsons Department Store
  • Robinsons Easymart
  • Robinsons Supermarket
  • Smart
  • Southstar Drug
  • Tambunting
  • The SM Store
  • Unionbank
  • Villarica
  • WalterMart

PayMaya vs. GCash – which platform has higher fees?

Both PayMaya and GCash offer free transfers for transfers on the same platform (i.e. PayMaya – PayMaya or GCash – GCash). GCash also charges fees for most of the same transactions that PayMaya does.

If you need to do an ATM withdrawal, PayMaya usually offers better rates compared to GCash. The fees will depend on the bank ATM but generally, PayMaya ATM withdrawals are Php 15 while GCash ATM withdrawals will cost you Php 20.

When it comes to adding money or cashing in, GCash is the better option since they have free cash in options through linked bank accounts (BPI and Unionbank) and PayPal among others.

Frequently Asked Questions (FAQs)

Why does PayMaya charge extra fees?

PayMaya is a business and like any other business, they also need to make money and stay profitable so they can continue operating.

The transaction fees are used for payments processing, marketing, paying their employees’ salaries, and other necessary business expenses.

What is the 2% cash in fee for?

The 2% cash in fee is the processing fee for when you top up your PayMaya wallet through over-the-counter channels such as the cashier at a convenience or grocery store.

Are PayMaya’s transaction fees fixed?

PayMaya’s fees and charges are not fixed and may be changed anytime in accordance with their terms and conditions.


Although extra transaction fees can be annoying, it pays to have convenience and security especially if your hard-earned money is involved.

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